Bee pollens’ potency and efficacy is highly affected by the process of bee pollen collecting. The most vital part of this whole process is the location where the pollens were collected. Bees are very sensitive to the environment. The slightest chemical change or atmospheric change in their surroundings will greatly affect the pollens they produce.
Almost all countries in the world have high industry rates, chemically maintained farmlands, densely populated by humans, and most of all, heavily polluted. The environment in these countries is not healthy enough for the thriving colonies of bees but they seem to adapt to their damaged habitat. They still continue the bee pollen collecting process under the said circumstances.
Pollens are the male reproductive units of flowering plants which bees gather together with the flowers’ nectars for the colony’s food. As the honeybees fly from flower to flower, their hairy bodies pick up various pollen grains. Flowers benefit a lot from this pollen collecting process of bees because they are able to reproduce successfully. The attached pollens on the bees’ bodies are carefully brushed off by the bee’s legs when they are in flight.
Honeybees add something special to these pollen grains that make them sticky enough to be hammered into the “pollen baskets” of the bees’ hind legs, these pollens are now the ones we know as bee pollens. Honeybees carry these pollens back to the hive. Beekeepers attach pollen catching devices on the entrance of each hive allowing some pollen to drop off from the bees’ legs.
As mentioned, heavily polluted and populated environment affects the pollens produced by the bees. When harvested by beekeepers and processed by manufacturers to be sold in the health food shops or online, a lot of people will surely suffer the harmful effects of the contaminated pollens.
The contamination found in these pollens contains toxic materials, chemical substances, heavy metals, and other impurities caused by the man-made pollution. They are not only contaminated but possess low potency levels as well. This means that the expected healthful benefits from the pollen will not be experienced by users. What they experience is further aggravation of health and may even develop various life threatening ailments. This is very dangerous but the government FDA fails to eliminate this industry wide problem.
Don’t worry we are not facing our doom yet. There is still hope of garnering the many wonderful health benefits of these pollens. That is if we are to purchase the only known pure bee pollen collecting source, the New Zealand pollens. The bees located in New Zealand are free from the harmful effects of a polluted and heavily populated environment. All the mentioned risk factors in other countries are non-existent in New Zealand. The process of the pollen collection by the bees is not affected, thus producing the best pollens in the world.
Now that you know the facts about the bee collection process, you must be well informed enough to purchase only the best bee supplements on the planet, one that can only come from New Zealand.
Medical billing collections use is growing, as many doctor’s offices, medical facilities and hospitals confront ever-increasing past due debts from slow paying patients and back-logged insurance claims. Along with over 40 million Americans without any health insurance, a slow economy due to recession, and growing unemployment, means shrinking positive cash flow for medical professionals. Given that prognosis, there are a number of things you can implement to increase your internal medical billing collections. By putting these six tactics into place, you can greatly improve your financial bottom line.
1. Be sure you have a clear payment procedure, placed visibly at the front of your office. New patients need to understand clearly what, if any, payment is expected upfront, in regards to co-pays, etc. This should be understood BEFORE rendering service.
2. It’s very important that you get accurate patient information during that first doctor visit. Get the patient’s full name, address, date of birth, home, work and cell phone numbers. Get their work information: address, phone number(s), position/title, manager/supervisor, etc. Clearly, the more information you can get here, the better. While some patients may balk at giving their social security number, its still a good idea, especially if the account has to be turned over later to a collection agency.
3. If the patient has health insurance, its important to verify at this point. While a doctor’s office can get quite hectic, this crucial step shouldn’t be overlooked. Verifying coverage will avoid headaches later on.
4. In the initial patient application, be sure to clearly detail the patients’ responsibility for payment. You might also consider including language that should the account have to be turned over to a collection agency for non-payment, the patient will be responsible for collection costs. In some states, the business can recoup their costs for hiring a collections agency, if it is stated in the patient-signed application upfront. (Check with your attorney about this, as state laws vary)
5. Allow patients to make payment arrangements for those going through financial difficulties. Because so many are either uninsured or under-insured, making reasonable payment arrangements via installments gives them more options, and greater peace of mind. It will also help generate cash flow to your practice.
6. Know when its time to relinquish those difficult problem accounts, and turn them over to a debt collection agency. As discussed earlier, many patients are facing greater financial burdens, because of higher unemployment, a slow economy and recession, making it increasingly difficult to pay for the high costs of health care.
Most people intend to do the right thing and honoring their debt obligations. But the reality is that some others are less responsible. By using the before-mentioned procedures, consistently and early on, you can better identify the patients experiencing temporary financial problems from the “problem” delinquent accounts. Payment arrangements, and continued communications can better address those problems. With that, the more problem, non-paying clients have to be identified earlier as well. These are the ones to be outsourced to professional collection agencies who are better equipped to handle these types of accounts.
Failing to do so means wasting valuable time, labor and money dealing with difficult accounts. You can’t afford to waste time here, because the longer an account goes unpaid, the lesser the likelihood of getting paid at all. By placing these accounts earlier, you greatly increase your opportunity for getting a great deal, or at least some of your money. As a general rule, after 90 days of non-payment, medical billing collections should be turned over to a collection agency. These simple, but very important tips are very effective in shrinking your medical billing delinquencies. Put into consistent practice, you can greatly improve your medical billing collections.
When a debt turns bad, the creditor will engage numerous tactics to recover the debt. The tactics employed by the creditor varies from one company to another company. The most common ones are sending payment request letters by hand, normal mail, registered mails, couriers, emails or visit the debtor at his work place or home.
When faced with stubborn debtors, the creditors may engage third party collection agencies or engage a lawyer to file legal suit to recover the debts.
The debt collection tactics can turn rough and in certain cases have caused undue pressure to the debtors which can severe the health of the debtors and their closed ones.
Therefore, most countries have setup an Office of Fair Trading to monitor and control the money lending industry to ensure fair practices between both the creditors and the debtors.
All creditors must abide by a set of guidelines outlined by the local Office of Fair Trading. The main objective of the guideline is to protect the interest of the creditors without jeopardizing the health of the debtors. Included in this set of guidelines are the unfair debt collection practices which prohibit the use of improper actions by the creditor against the debtor during the debt collection process.
Many debtors and staff of the financial institutions or collection agencies are not aware of the existence of this unfair debt collection practices. Both parties are anxious to know what these guidelines are and has anyone been subjected to unfair practices.
Here I would like to share with you on some details of these guidelines which should be done or are prohibited during the collection process:
1. The creditors or collection agencies must identify themselves and let the debtor know about their identities, their roles and their purpose.
2. Unhelpful technical languages should be avoided by both parties.
3. If the debtor suggest a place or a time to meet later, such request should be regarded or considered.
4. The creditors or collection agencies should not do things that could jeopardize the debtors’ health such as ignoring requests of not contacting them at work which could jeopardize their jobs.
5. Putting the debtor under undue pressure.
6. Mislead debtor to believe that being in debt is a crime.
7. Suggest to debtors that they should their properties or assets to settle the debts or loans.
8. Recommend or suggest to debtors to apply for new loans to pay off their debts. Such act could amount to instigating the debtors to commit fraud.
9. Engage more than one debt collecting agency at any one time.
10. When the debt is in dispute with the debtors, the recovery proceedings or efforts should be temporary stop until they are settled.
11. It is the creditor’s obligation to prove the debts to the debtors.
12. The right to pursue legal suit against the debtors will lapse in the event that the creditors did not contact the debtors for more than 6 years with regard to the debts.
13. Creditors are fully responsible for the actions of the collection agencies that they appoint.
The above only provides a brief guideline of unfair practices and you should check with the local Office of Fair Trade for full details. All situations are investigated on a case-by-case basis and may differ from one another.
Creditors that found to be practicing unfair tactics can be penalized severely not limited to suspension of Consumer Credit License.